Disney Visa Card Review

Since the Disney Visa Card pays Rewards Dollars redeemable only for Disney purchases and vacations, this card is best for true Disney enthusiasts who know they can put their earnings to good use. Wherever you use your card, you’ll earn 1% of every dollar back in Rewards Dollars, with no limit.

You’ll also get discounts at Disney stores, insider perks at Disney parks, and six months interest-free if you book select Disney vacations. In fact, these benefits may be the real selling points for the card since potential cardholders with good credit can easily earn bigger rewards elsewhere. Many general cash-back credit cards offer more than 1% back, and you can often redeem your rewards as a statement credit against anything you buy, including Disney vacations and merchandise.

Pros Explained

• Disney discounts and perks: As a cardholder, you’ll be eligible for discounts when you use your card to buy merchandise and eat out at Disney parks and resorts and on Disney cruises. Plus, you’ll get special insider perks, like photo opportunities with Mickey Mouse or exclusive access to events. Prices are better even on Disney items, either purchased online or at Disney stores. 
• Your choice of card design: If you’re in love with your favorite characters, you’ll be happy to know you can choose who’s on your card. Options include Darth Vader, Minnie and Mickey, Tinkerbell, and more. 

Cons Explained

• Limited redemption options: Many rewards credit cards offer basic cash back or let you use points to travel or buy gift cards, but this card focuses solely on Disney, including Disney theme park tickets, Disney movies, purchases in Disney stores, and Disney cruises and resort stays. What’s more, you’ll have to earn at least $20 in Disney Reward Dollars before you can start using them. That means you’ll need to spend at least $2,000 on your card before reaping any benefit. 
• Low rewards-earning rate: Getting 1% back in Disney Rewards Dollars puts this card behind many cash-back credit cards that offer at least 1.5% back and with far more flexible redemption options. 
• Short promotional financing period: If you need time to pay off an eligible Disney vacation, six months with no interest is helpful, but many cards offer introductory 0% APR deals for 12 months or longer. (Perhaps the one advantage of this card’s offer is that you can use it anytime you book an eligible vacation, whether your account is new or not.)

Disney Visa Card's Bonus for New Cardholders

The Disney Visa Card gives you a $150 statement credit after you spend $500 on purchases in the first three months from account opening. This is about average compared to other rewards cards.

Earning Points and Rewards

The Disney Visa Card gives you a flat 1% back in Disney Rewards Dollars for every dollar you spend, regardless of purchase category. That’s underwhelming considering many cash-back cards offer at least 1.5% back on every purchase, or well above that on select spending categories. 

Redeeming Rewards

Rewards earned with this card can be redeemed for more than just tickets to a Disney park. Each Disney Rewards Dollar you earn is worth $1 toward these purchases:

• Disney park tickets
• Disney resort stays
• Disney and Star Wars movies
• Items purchased in Disney stores
• Cruise packages from Disney, as well as onboard purchases and souvenirs

How to Get the Most out of This Card

The fact of the matter is that you can find better rewards earning rates with other cash back and travel rewards cards. This card’s modest 1% earning rate means it could be a long time before you earned enough Disney Rewards to treat yourself to a significant trip or outing.

That said, if you’re a real fan of Disney, the discounts, perks, and other exclusives may have real value for you—and you’ll make the most of those during a visit to a Disney property.

If you’re planning a Disney park or resort trip, consider charging it to your Disney Visa Card to take advantage of the six-month 0% interest offer. You might also think about carrying an airline or hotel rewards card that can help defray some of the other expenses of the trip like airfare and hotel stays.

Also, if you plan to cancel your card, first try to meet the minimums for transferring to a redemption card, so you don’t waste rewards. You’ll need at least $20 in Rewards Dollars to qualify for a redemption card and at least $10 to refill one. 

Disney Visa Card’s Excellent Perks

The Disney Visa Card offers one benefit deemed exceptional by our editors:

• Insurance for delayed baggage: Get up to $100 per day to cover toiletries and clothing needed when your baggage is delayed by an airline or other common carrier for at least six hours. This coverage is good for up to three days.

Disney Visa Card’s Other Features

• 10% off select shopping and dining at Disney resorts
• 15% off select guided tours at Disney resorts
• Cardmember-only events with Disney characters on select dates
• Cardmember-only events at Disney stores
• 10% off select Disney purchases in stores and online
• Insurance for stolen or damaged purchases
• Extended warranties

Customer Experience

Chase gets decent marks for its customer service and overall cardholder experiences. The bank scored just below the segment average of 809 with 807 out of 1,000 possible points in J.D. Power’s 2021 U.S. Credit Card Satisfaction Study of national issuers, getting the fourth spot behind American Express, Discover, and Capital One. 

Chase is known for its 24/7 phone customer service as well as its handy mobile app that lets you track your rewards, monitor your spending, and pay your bill from your mobile device. 

Security Features

Chase offers standard security features for its credit cards, including account monitoring, multiple authentication checks, and encryption. You can also track and monitor your credit score through Chase’s free Credit Journey service.

Disney Visa Card's Fees

The fees on this card are pretty standard for the industry. Take note that you will have to pay a 3% foreign transaction fee for purchases made outside the U.S. Cash Advance fees are either $10 or 5% of the amount of each transaction, whichever is greater.